highdeductible

Health Insurance

Health Insurance Coverage: Early Release of Estimates From the National Health Interview Survey, January–September 2016 Health insurance coverage by state Health Insurance Marketplace type Under provisions of ACA, states have the option to set up and operate their own Health Insurance Marketplace, rely on a Federally Facilitated Marketplace operated solely by the federal government, or have a hybrid partnership Marketplace that is operated by the federal government but where the state runs certain functions and makes key decisions. From January through September 2016, adults aged 18–64 in states with a Federally Facilitated Marketplace were more likely to be uninsured than those in states with a state-based Marketplace or states with a partnership Marketplace (Figure 10). Among adults aged 18–64, decreases were seen in the uninsured rates between 2013 and the first 9 months of 2016 in states with a statebased Marketplace, a partnership Marketplace, and a Federally Facilitated Marketplace. For all three state Health Insurance Marketplace types, the rates of uninsurance and private coverage at the time of interview among adults aged 18– 64 did not change significantly from 2015 through the first 9 months of 2016 (Figure 10). Estimates of enrollment in HDHPs and CDHPs In the first 9 months of 2016, 39.1% of persons under age 65 with private health insurance were enrolled in an HDHP, including 15.2% who were enrolled in a CDHP (an HDHP with a health savings account [HSA]) and 24.0% who were enrolled in an HDHP without an HSA (Figure 11) (see Technical Notes for definitions of HDHP, CDHP, and HSA). Among those with private insurance, enrollment in HDHPs has generally increased since 2010. The percentage who were enrolled in an HDHP increased over 13 percentage points, from 25.3% in 2010 to 39.1% in the first 9 months of 2016. More recently, the percentage who were enrolled in an HDHP increased, from 36.7% in 2015 to 39.1% in the first 9 months of 2016. The percentage who were enrolled in a CDHP almost doubled, from 7.7% in 2010 to 15.2% in the first 9 Figure 10. Percentage of adults aged 18–64 who were uninsured or had private coverage at the time of interview, by year and state Health Insurance Marketplace type: United States, 2013–September 2016 Percent 80 70 60 50 40 30 20 10 0 Figure 11. Percentage of persons under age 65 enrolled in a high-deductible health plan without a health savings account, or in a consumer-directed health plan, among those with private health insurance coverage: United States, 2010–September 2016 Percent 50 40 30 20 10 0 18.7 13.6 9.4 8.6 25.3 7.7 17.6 68.9 69.0 67.0 64.1 CDHP (HDHP with HSA) HDHP no HSA 29.0 9.2 17.9 12.8 9.4 8.9 31.1 10.8 months of 2016. More recently, the percentage who were enrolled in a CDHP increased, from 13.3% in 2015 to 15.2% in the first 9 months of 2016. 11.7 13.3 13.3 15.2 19.9 20.3 22.2 23.6 23.4 24.0 2010 2011 2012 2013 2014 2015 2016 (Jan–Sep) NOTES: CDHP is consumer-directed health plan, which is a high-deductible health plan (HDHP) with a health savings account (HSA). HDHP no HSA is a high-deductible health plan without an HSA. The individual components of HDHPs may not add up to the total due to rounding. Data are based on household interviews of a sample of the civilian noninstitutionalized population. SOURCE: NCHS, National Health Interview Survey, 2010–2016, Family Core component. 33.9 70.5 71.5 71.9 68.0 22.0 18.6 15.7 15.5 36.9 36.7 69.9 68.5 66.9 63.6 Uninsured Private Uninsured Private Uninsured Private State-based 2013 2014 2015 2016 (Jan–Sep) Partnership NOTE: Data are based on household interviews of a sample of the civilian noninstitutionalized population. SOURCE: NCHS, National Health Interview Survey, 2013–2016, Family Core component. Federally facilitated 39.1 Page | 6 U.S. Department of Health and Human Services ● Centers for Disease Control and Prevention ● National Center for Health Statistics ● Released 2/2017

Health Insurance Coverage: Early Release of Estimates From the National Health Interview Survey, January–September 2016 Health insurance coverage in selected states State-specific health insurance estimates for persons aged 18–64 are presented for 38 states (Figure 12). Among these 38 states presented for the first 9 months of 2016, California, Connecticut, Hawaii, Illinois, Iowa, Maryland, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, Washington, and Wisconsin had significantly lower percentages of uninsured adults than the national average (12.3%). Florida, Georgia, Mississippi, North Carolina, Oklahoma, and Texas had significantly higher percentages of uninsured adults than the national average in the first 9 months of 2016. Among the 38 states presented in this report, only California had a significant decrease in the percentage of adults aged 18–64 who were uninsured between 2015 (11.1%) and the first 9 months of 2016 (9.3%). Figure 12. Uninsured at the time of interview—Comparisons of states and national percentages for adults aged 18–64: United States, January–September 2016 HI AK OR CA WA NV ID AZ UT MT WY NM CO VT ND ME MN NH SD NY MA WI MI RI CT NE IA IL IN OH PA NJ DE WV KS VA MD MO KY DC TN NC OK AR SC MS AL GA TX LA Significantly lower than the national average (12.3%) No significant difference from the national average Significantly higher than the national average Not shown as 2016 estimate was not reliable NOTE: Data are based on household interviews of a sample of the civilian noninstitutionalized population. SOURCE: NCHS, National Health Interview Survey, 2016, Family Core component. FL Page | 7 U.S. Department of Health and Human Services ● Centers for Disease Control and Prevention ● National Center for Health Statistics ● Released 2/2017